adverse credit, personal loan

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Separate life cover will be needed to repay the mortgage if you die especially if you have any dependants

The purpose of the search is to discover if there are plans for nearby development that could potentially affect the property

Setting the completion date The standard time between exchange of contracts and completion is four weeks

A separate life policy will be required in most cases

The flexible mortgage concept was imported from Australia so occasionally you may hear them referred to as ‘Aussie style mortgages’

Nonetheless millions of borrowers have one or more endowment policy and as a rule of thumb these should not be cashed-in early and certainly not before seeking advice from a suitably qualified financial adviser

This will contain a number of conditions and other requirements that your solicitor will discuss with you

4 weeks to go Arrange buildings insurance for your new home to commence on exchange of contracts. Check that your home contents are adequately insured (transit insurance) during the move. Start to use up food from your freezer. Contact the telephone company to organise reconnection or installation of a line. Book time off work. Make special arrangements for pets and remember that they often find moving home stressful!

Not many of us are likely to do it, but it can give you a good idea of what your possible future neighbours may be like

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Written quotations are available on request

Disadvantages: The final value of the policy may not be entirely sufficient to repay your mortgage or the monthly premium may have to be increased later on in the term of the mortgage to compensate for poor returns

This acts as a ‘lock-in’ making an often heavy charge for borrowers paying off their mortgage early

Considering the current market conditions Excluding the property itself, the current condition of the national market is a significant factor in the process of negotiation

On-line conveyancing On-line conveyancing is one of the latest improvements in the legal process of buying and selling

These are known as regulated loans

Borrowers will be required to remain on the lenders variable rate of interest for a pre-determined period of time

The above rates are a sample of the range of rates currently available and figures are correct at the time of going to the Internet

Normally a lender will ask you to establish a repayment vehicle for the loan at the outset although this is not always the case

For example, the variable rate may be 5% with a discount of 1

Whereas, on a mortgage where the interest is being calculated on a daily basis, any over-payment reduces the mortgage balance immediately hence the borrower will be charged less interest from the next day

Exposure to interest rate rises

Some websites are also offering information about local schools, crime rates, and average property prices

Often mistakenly called an endowment mortgage, interest only mortgages are loans where the lender agrees to charge purely interest throughout the term of the mortgage

The date and actual time of day of completion is quite specific and relies absolutely on the transfer of money

An investor may only hold one of each Mini in any tax year

At the very least a mobile phone

We specialise in helping people who find it difficult to obtain a mortgage or loan

All mortgage lenders require an official search to be carried out